Side-by-side cost of living comparison for 2026
16% cheaper
Indianapolis is 16% more affordable than Plano. A $75,000 salary in Plano is equivalent to $63,303 in Indianapolis.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Indiana salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Indianapolis has a housing index of 80 while Plano sits at 123 (national average = 100). The median home in Indianapolis costs $220,000 compared to $400,000 in Plano, a difference of $180,000. Monthly rent follows a similar pattern: $1,100 in Indianapolis versus $1,700 in Plano.
Groceries and everyday expenses show a narrower gap: Indianapolis scores 98 while Plano scores 98. Both cities are close to the national average for grocery costs.
Healthcare costs in Indianapolis (96) are lower than Plano (100). Both are close to the national average.
Median household income in Indianapolis is $49,968 compared to $96,348 in Plano. When adjusted for cost of living, income goes further in Indianapolis.
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